What are you paying for?

Posted by:

You might have noticed there have been a few reports in the media (again) about life insurance commissions. As you know, I’m extremely proud of the work the Monarch team does and firmly believe in the role financial advice plays in helping people secure their financial future. Which is why I felt it was important to outline just some of the ways we add value to our clients…

What we do – Build a strategy

Our role is not simply to get ...

Continue Reading →
0

How much is too much?

Posted by:

I know I’ve previously shared my thoughts on asking strangers to pay for your medical bills (see: Is crowdfunding your medical bills fair?), but a recent story has persuaded me to revisit the issue again. This article highlights just how much people underestimate the cost medical treatment in Australia, which is ultimately one of the main reasons that people turn to crowd-funding sites.

You might have heard about Milli, a 12 year old from Perth whose family was trying ...

Continue Reading →
0

Lessons from Japan

Posted by:

I love travelling overseas! It’s awesome to be able to experience other cultures and see the way other people live. Take my recent trip to Japan and Korea. Aside from the fascinating history, incredible food and gorgeous scenery, I was really intrigued by the Japanese people. It never ceases to amaze me how different people can be, depending on where they grew up ...

Continue Reading →
0

Life is what happens when you’re busy making other plans

Posted by:

“Life is what happens when you’re busy making other plans.”

You’ve probably heard this John Lennon quote before. But have you ever noticed how true it really is? You could have your ideal milestones all mapped out, from your first career steps to the age you think you’ll be ready to get married and have kids, right through to when you’d like ...

Continue Reading →
0

Don’t underestimate the value of a second income

Posted by:

I was chatting with a friend over dinner the other night and she was talking about how she had dropped back from full-time to part-time work so she could pursue her goal of opening an online kid’s clothing store. She is still bringing in an income (and hopes to eventually leave her part-time job and just work on the store), but ...

Continue Reading →
0

No advisers, no surprises? No way!

Posted by:

NO AdI saw an ad for insurance company NobleOak the other day which really made my blood boil. It’s the one where the guy says that with most life insurance you’re ‘being sold an illusion’. The ad claims that life insurance through NobleOak is 20% cheaper than if you buy through an adviser or direct with an insurer.

They highlight that they only offer ...

Continue Reading →
0

Financial advice doesn’t stop when you’ve got your policy!

Posted by:

facebook-Linked_Image___shutterstock_227878675If you’re working with a financial planner to help set up your life insurance, make sure they’re going to be there when they’re really needed – at claim time!

A referral partner recently asked me to help her client’s son who had sadly suffered a stroke. The son has insurance, so the client took on the job of lodging a claim on behalf of ...

Continue Reading →
36

Life’s little surprises

Posted by:

facebook-Linked_Image___ross-findon-303091-unsplashLast week I sat down with a couple to do a review of their insurances. It was a great meeting for a couple of reasons and I wanted to share the experience here…

I first started working with this couple a little over four years ago. Let’s call them Jack and Jill. Jack and Jill were newly married and wanted to get their life ...

Continue Reading →
57

A true story and a powerful lesson

Posted by:

facebook-Linked_Image___powerful lessonMost people understand the need for car insurance, home and contents insurance and probably even health insurance. But when it comes to life insurance, it’s more difficult to picture yourself actually needing cover. We just don’t want to think about something bad happening to us or to our loved ones!

Part of my job, as a financial adviser, is to help people understand ...

Continue Reading →
77

Take control of your own destiny – don’t wait for the Government to tell you what’s best for you

Posted by:

facebook-Linked_Image___sydney-rae-408416-unsplashYou’ve probably heard that one of the changes announced in the Federal Budget was around insurance inside super. Almost all group superannuation accounts (that is, industry super funds and the superannuation products offered by the banks and other large financial institutions) come with an automatic level of life insurance and TPD cover. Some also provide some income protection insurance. The premiums for this ...

Continue Reading →
73
Page 1 of 2 12